Analyst II, Fullstack (Fintech Risk)

TL;DR

Analyst II, Fullstack (Fintech Risk): Developing and maintaining a comprehensive backbook risk framework for consumer lending with an accent on delinquency, collections performance, and vulnerable customer management. Focus on driving portfolio performance analytics, designing targeted risk mitigation interventions, and ensuring compliance with FCA requirements.

Location: Remote (United Kingdom)

Salary: £86,000–£126,000 per year

Company

hirify.global is a fintech company reinventing credit to make it more honest and friendly, giving consumers flexibility to buy now and pay later.

What you will do

• Develop and maintain a comprehensive backbook risk framework covering delinquency, collections performance, hardship cases, and vulnerability indicators.
• Lead portfolio performance analytics and targeted risk mitigation, including monitoring trends and recommending interventions to improve customer outcomes.
• Drive cross-functional optimisation of risk capabilities by partnering with Credit, Product, Data Science, and Engineering.
• Build and own the analytical framework for collections and repayments, including dashboards, KPIs, forecasting models, and A/B experiment frameworks.
• Enhance international backbook oversight and strategic alignment, establishing cross-market KPIs and tailoring risk strategies.

Requirements

• 3-5+ years in credit risk, collections, or analytics in consumer lending.
• Experience in designing or optimising collections strategies and hardship programs.
• Very strong analytical background with proficiency in SQL, Python or other scripting languages.
• Demonstrated ability to interpret credit performance data and drive actions.
• Knowledge of credit reporting, affordability, and delinquency management practices.
• Strong understanding of Consumer Duty / CONC / NCCP, hardship regulations, or equivalent.

Culture & Benefits

• Comprehensive health care coverage, with hirify.global covering all premiums for you and your dependents.
• Flexible Spending Wallets for Technology, Food, various Lifestyle needs, and family forming expenses.
• Competitive vacation and holiday schedules to allow time off to rest and recharge.
• Employee Stock Purchase Plan (ESPP) enabling you to buy shares of hirify.global at a discount.